Lighthouse Casualty Company

This complainant has filed a complaint with the IL Department of InsuranceI respectfully request this complaint be closed administratively since it is now beyond the purview of the Revdex.com.Thank you,*** ***

Thank you for the opportunity to respond to this complaint.The complainant's filing is dated 12/28/2015, which is well within the day guideline set by the IL Department of InsuranceThe complainant notified Lighthouse Claims Deptthat he would process through his own company since they will pay
storage fees and repairsThe complainant's insurance company will file a subrogation claim process with LighthouseOur adjuster is currently waiting on the claimant carrier to contact her

Thank you for the opportunity to respond to this complaintAfter reviewing the notes, I see that this gentleman's claim is two weeks oldLighthouse did reach the insured on 11/Per our notes, the insured was going away for the holiday and would contact us upon her returnWe have not
heard from the insured but will have the adjuster reach out to her so that we may move forward with claim resolutionThank you,
Nick ***

Thank you for the opportunity to respond to this complaint.Lighthouse apologizes that Mr*** has had a communication issue with his adjusterI spoke with her earlier and she said she has honestly not received a message from himShe called the complainant earlier today to notify him that the
estimate was approved and we can move forward with the repairsShe is awaiting his return call.Thank you again,*** ***

This complainant has filed with the IL Department of InsuranceAt this time, we respectfully request the Revdex.com to close this complaint.Thank you,*** ***

Complaint: ***
I am rejecting this response because:To this day I have NEVER been contacted by anyone from Lighthouse Casualty CompanyEvery time I contact them I get the same run-aroundI understand that they are unable to contact their insured but there is no timeframe or response on what happens if they cannot obtain the information they needAll I am asking for is status and next stepsI had a plan to sell my car, which obviously I am unable to do until my car is fixedMY insurance company would at least provide status on the claim and make contact with everyone involvedThat is called good customer servicePlease provide me with status so I can plan accordingly to sell my car
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaintI see from reviewing the claim notes that checks have been issued for the vehicle repairs, as of 06/13/The complainant requested that the check go directly to her house and we complied with this requestThank
you,*** ***

Thank you for the opportunity to respond to this complaint.I would like to point out that this claim was filed by the complainant five full days after the loss occurred so this could be a reason for any delay in the decision processAlso, the outcome of the incident is that the complainant was at
fault, she failed to yield while exiting an alley forcing the collision with our insuredFailing to yield is the proximate cause of this loss and a liability denial was sent to the complainant.Lighthouse Casualty continues to stand by this decisionPlease note, the adjuster explained to the complainant they could file with their company and their carrier could attempt to subrogate the claim with Lighthouse Casualty.Thank you again,Nick ***

Complaint: ***
I am rejecting this response because: Lighthouse did not factor in all the damageThey also said I have to go to their approved facility if it costs more to fix
Sincerely,
Adam ***

Again, I apologize for the misinformationThe estimate had been approved and I will be speaking with this rep and her supervisor to discuss her training.I see that an adjuster contacted you at 1:and explained the process to you about the repairs and your vehicle is getting repaired, a check will be issued and this claim is on the road to resolutionLighthouse is even waiving the betterment for the tire in lieu of rental reimbursementYou agreed to these options per the system notesThank you,*** ***

Complaint: ***
I am rejecting this response because:I still have not heard from this business.They have yet to return any of my calls, and I am still awaiting paymentThe comment about them responding to me is a lieI have no missed calls, and have spoken to every number that has dialed me todayI can provide proof via my phone carrier as well, if need be.
Sincerely,
*** ***

Thank you for the opportunity to respond to this complaintAs of August 3rd, Lighthouse notified the insured that the repairs were under the deductible amount with no further action neededToday, we had one of our claims associates contact the complainant to review the situationThe
complainant said they will submit the estimate and invoice for the repairs and Lighthouse will review the documents once received for consideration of further actions.Thank you,
*** ***

Complaint: ***
I am rejecting this response because this insurance company is merely attempting to delay payment of this claim They have a complete police report which includes a description of the incident and also verifies that their client was at fault as she was issued a moving violation by the police
The fact that their insured has not yet reported this incident after nearly weeks from the date it occurred, would leave one to believe she has no intention of doing so For that reason alone, it should have no bearing on the decision to settle my claim given the evidence they do have in hand
Sincerely,
*** ***

Thank you for the opportunity to reply to this complaint.Lighthouse Casualty apologizes if our staff was rude or the complainant was somehow disconnected in any wayWe certainly do not train our employees to act in this manner and I will investigate the calls using the phone number listed on the
claimAt this time, we have explained the offer to the complainantHe would like to use a body shop of his choice which he very well can do but the carrier has made an offer based on the estimate of our physical damage department using rates we contracted with our shopsIt was explained to the complainant that he can use one of our shops or he can use his own but he would be responsible for the difference in price, as per our policyThe offer provided to the complainant still stands.Thank you,*** ***

At this time, we respectfully request the name and phone number of the individual at the IL Deptof Insurance who spoke with the complainant so that we may contact them ourselves and discuss the matterThank you,*** ***

Thank you for the opportunity to respond to this complaintI see from our claims notes that the complainant has been in touch with our claims team multiple timesAn offer was extended to the complainant on 10/21/and she refused itShe then told our claims team that her carrier
requested a letter of explanation about the claimLighthouse has not heard from the claimant's carrier to dateOn 11/29/16, the complainant called again and said she wishes to continue the claim through Lighthouse CasualtyWhen the claims adjuster replied that the offer remains the same, she said she did not agree and said her carrier will be sending a letter requesting payment for 100% of the estimateThe adjuster explained that this was to be expected and it is noted that Lighthouse would wait on the claimant carrier's subrogation demandAbout a half hour later, the complainant called again demanding to speak to a supervisorWhen the claims associate attempted to assist her, she refused the help and demanded to speak to a supervisorAs of 12/07/16, our claims department tried to contact the complainant again and left a message revisiting the offer.Per her complaint, it seems the complainant is not aware that while she may want to utilize the dealership where she purchased the vehicle, and this is completely her right, Lighthouse bases their estimate on pre-negotiated rates with preferred vendorsThis is probably where the discrepancy lies in the amount offered and the amount wanted for the pay outAt this time, the Lighthouse offer still stands the sameThank you,
*** ***

Thank you for the opportunity to respond to this complaintAlthough I am wondering why this insured is filing a complaintThis gentleman's claim was resolved and checks were sent to him for the total loss of his vehicle (issued 01/05/16, then re-issued on 01/19/due to check name
issue), his rental reimbursement (issued 01/19/16) and a check for the tow bill(12/02/2015).This claim was not denied and at this time is paid out and closedThank you,
*** ***

Terrible insurance companyTheir insured rear-ended meI filed a claim online, using their websiteNot only I was not provided with a claim number at the end of the process (what kind of business is this and what insurance company does not provide a claim number when you file a claim?), but I did not hear from them at allI called Lighthouse days after I filed the claimKristen ***, one of their claim representatives, sent me an email with the name of the shop where I can go get an estimate to fix my carI still don't have a claim number and Kristen *** cannot be bothered to answer my emailsI have been on hold with this company for a long time and I am still unable to talk to a live personOn hold right now again waiting for someone to pick up the phone over thereAnyone that has to deal with them please be aware of how this company worksAll negative reviews on this site are absolutely trueI simply do not understand how Revdex.com gave them an A ratingIt does not make any sense

Initial Business Response /* (1000, 5, 2015/05/19) */
Ms*** had an accident on 05/01/but the claim was not opened until 05/13/We do offer online Claim forms which can be filled out 24/at lighthousecasualty.com
Our Claims Department has tried to contact Ms*** but the phone
number she provided is disconnected
Also, we apologize if she had some issues connecting with the company but we have just upgraded the number of our phone lines and are in the process of hiring staff to prevent this occurrenceMs*** may contact her adjuster *** *** *** at ***@lighthousecasualty.com
Thank you,
*** ***

I was in a car accident with their insuredCompletely his faultHe received a ticket and admitted he shouldn't have turned in front of me regardless of the circumstances (the car in front if him turned- he immediately followed without looking)A Miss Aneta *** told me that I was negligent (in no way was I)I am literally in the middle of a HIGH RISK pregnancy, was just in a car accident because of their insured, and this woman has the audacity to say that I was negligent when 1) I was in the proper lane (left forward lane on a four lane highway mind you) 2) I was driving the speed limit (even driving slower considering the mist and less sunlight (it was still 1:25pm and not dark) and 3) I knew there was cars in his turn lane (one being him) because I was watching the whole road/intersection4)If I weren't already at the beginning of the intersection I could understand him turning, but he didn't even look to know there was not time5) the only thing I could have done to prevent the accident would have been to swerve and guess what- I was taught not to! I was driving an SUV which states not to in two different places on the car and any driving course tells you not toThere is no way I should be having to go through this and I also shouldn't have an adjuster whom jumps the gun and says they are only going to cover this amount (no way), and HAS NOT EVEN DONE HER JOB FULLY YET to know whether or not they would, puts extra stress on someone (inconsiderate, rude, and unfair), and lies straight to someone (oh I'm not allowed to give my managers extension out- its *** so you know)Horrible, and I haven't received any kind of call back from the manager- MrCarlos *** I know and understand that you are a business but I don't believe this lady understands thatYou do not treat anyone regardless of your interaction with disrespect and that is all I got from this woman